1 (8 ounce) package cream cheese, softened 1 cup sour cream 2 cans refried beans 3 tablespoons chili powder 1 tablespoon garlic powder 1 1/2 tablespoons cumin 1 tablespoon paprika 1 teaspoon salt (or
sub all above spices with a packet of taco seasoning) 4 cups cheddar cheese, shredded (or
sub half with
monterey or colby
jack)